Analysis and Commentary on Consumer Law

University of Illinois law professor and dean Vikram David Amar discusses an upcoming Supreme Court case in which the Court will consider to what extent consumer contracts that require disputes to be resolved by binding arbitration, rather than through formal litigation, are enforceable.

University of Washington law professor Anita Ramasastry discusses a new type of mobile app that maps illness in much the same way other apps map weather patterns and warns of the privacy implications these apps pose.

University of Washington law professor Anita Ramasastry discusses a proposal tentatively approved by the U.S. Department of Transportation that would allow airlines to collect consumers’ personal data for the purpose of personalizing fare quotes. Ramasastry cautions that the proposal has significant privacy and discrimination risks and that we need more information, more transparency, and better safeguards before proceeding with it.

University of Washington law professor Anita Ramasastry discusses a new company called Shuddle, which bills itself as an Uber-like car service for transporting children from place to place. Ramasastry describes some of the security and privacy issues Shuddle raises and compares it to other companies offering similar services.

University of Washington law professor Anita Ramasastry comments on a smartphone app known as Good2Go, which is intended to establish affirmative consent for the purpose of sexual encounters. Ramasastry describes some of the app’s shortcomings, including its lack of specificity with regard to what is consented to and its lax information privacy policy.

Hewlett Packard (HP) has unveiled a new mobile app that retailers can use to stalk people as they shop, to send them targeted ads and promotions. Called SmartShopper, it was unveiled at the Interop conference in Las Vegas at the end of March. It has the ability to send location-based smartphone offers to customers’ iPhones in real time. Promoted by Meg Whitman, CEO of HP, as a way for retailers to monetize their networks and build “tighter relationships with their customers,” this is not the first time that so-called stalker apps have been in the news as being intrusive of consumer privacy. Here, Justia columnist and U. Washington law professor Anita Ramasastry looks at two recent examples of so-called stalker-shopper apps, and legislative attempts to address these new ways of tracking our movements and behavior.

Justia columnist and U. Washington law professor Anita Ramasastry comments on recent headlines that caused a panic in the Bitcoin and cryptocurrency world: The largest Bitcoin exchange, Mt. Gox, was reporting a loss of nearly 750,000 Bitcoins currency units. (Prominent Bitcoin blogger Ryan Selkis made a post to his blog in which he described an unverified report of the loss.) This figure would be worth above $400 million at current prices. As of now, Mt. Gox, which is incorporated in Japan, has filed for insolvency protection there. Ramasastry comments on key events, and possible future reforms that could be put in place so that this situation does not recur.

Justia columnist and U.Washington law professor Anita Ramasastry comments on the question whether Bitcoin—a so-called virtual peer-to-peer currency—should be regulated by the U.S. and/or States within it. (Along with the Treasury Department, California and New York are also contemplating possible legal or regulatory measures regarding Bitcoin.) Ramasastry looks at recent attempts to extend legal recognition to Bitcoin, and explains why she believes this is a good thing. She adds that while it may be good to clarify that legitimate businesses and consumers may use Bitcoin, it may be too early now to determine what, if any, further measures are needed to provide consumers with needed safety with respect to their Bitcoins.

Justia columnist and former counsel to the President John Dean continues his series of columns regarding the monitoring of Apple that is connected to an antitrust action. Dean takes sharp issue regarding both how the monitoring is being done, and the costs that are being imposed on Apple as a result.

Justia columnist and U. Washington law professor Anita Ramasastry comments on a possible regulatory issue regarding Spokeo, which bills itself as a people-finder service. Spokeo warns subscribers that they cannot use its information to make decisions about a person’s employment, to make a credit determination, or to put the information to uses that would be covered by a federal law known as the Fair Credit Reporting Act (FCRA). But as a recent lawsuit illustrates, Spokeo’s data may be being used for such purposes, regardless, raising the possibility of the need for better safeguards.

Justia columnist and former counsel to the president John Dean comments on the story of Josh Finkelman, 28 years old, the president of a warehouse business, and a serious football fan, who went looking for Super Bowl XLVIII tickets and ended up taking on the entire National Football League’s (NFL) Super Bowl ticketing system. Dean predicts that Finkelman’s lawsuit, if it goes forward, could be a doozy, and explains the New Jersey law that may make a lawsuit possible.

Justia columnist and U. Washington law professor Anita Ramasastry comments on a situation involving Mike Seay and his wife, who have been mourning the loss of their daughter, Ashley, for just under a year. Last week, the Seays received an unwelcome reminder of Ashley’s untimely passing in the mail: It came in the form of a flier from the office supply store OfficeMax, addressed to Ashley’s father, in these words: ”Mike Seay, Daughter Killed in Car Crash.” In addition to that egregious incident, Ramasastry also discusses the growing phenomenon of data aggregation, and the fact that the large-scale collection of data leads to harmful consequences for consumers when companies keep tabs on us in ways that are unrelated to our ordinary commercial transactions, as the Seays painfully learned.

Justia columnist and U. Washington law professor Anita Ramasastry explains how even a massive data breach like the one Target recently experienced may not lead to a winnable lawsuit, although it has sullied the company's reputation. FTC action may possibly ensue, but class actions may not work in this context, for reasons that Ramasastry explains.

Justia columnist and U. Washington law professor Anita Ramasastry comments on school districts' sharing student data with private companies that manage various functions for the districts. How did this happen? Because, Ramasastry notes, in recent years, Congress has made changes to the Family Education Rights and Privacy Act (FERPA) that have created a potentially broad loophole regarding who has access to student data.

Justia columnist and former counsel to the president John Dean comments on the antitrust case against Apple, charging the company with conspiring to price fix e-books. Dean questions the judgment of the Southern District of New York judge, Denise Cote who was overseeing the case before it went to the U.S. Court of Appeals for the Second Circuit. In particular, Dean questions the decisions of Apple's court-ordered external monitor, Michael Bromwich, for reasons that Dean details.

Justia columnist and U. Washington law professor Anita Ramasastry comments on a Utah bill that, if passed, would allow teens to erase their social-media footprints permanently. Ramasastry notes that teens can have their juvenile criminal records sealed, and can repudiate contracts they have signed. Thus, she notes, there are precedents under which minors are treated differently from adults under the law. Ramasastry also covers related events in California, and notes that we should focus, too, on how social-media postings can, and cannot, be able to be legally used in the future, especially when jobs and credit are concerned.

Justia columnist and U. Washington law professor Anita Ramasastry comments on why and how debt collection is often done by text, as opposed to other means, describing the sources that pertain to this area of law, including federal statutes. Ramasastry argues that this practice of texting ought to be prohibited unless consumers explicitly consent to it, and discusses a recent FTC enforcement action in this area of law.

Justia columnist and former counsel to the president John Dean comments on the case of Sarah Jones v. Dirty World Entertainment, which he notes raises a fundamental question about the scope of immunity from defamation liability for Internet Service Providers under Section 230 of The Communications Decency Act (CDA). Dean predicts that the case will be watched closely, as an indication of whether the courts will, in fact, start policing the nearly unlimited immunity that has evolved under Section 230. There are good arguments on both sides of this case, Dean notes, making the case an especially interesting one.

Justia columnist and U. Washington law professor Anita Ramasastry comments on consumers' problems with correcting credit reports that are inaccurate and damaging. She also describes a related FTC initiative in this area that helps consumers regain their good names, and their good credit, when credit-report errors have unfairly soiled them.